Does homeowners insurance cover wind damage?
According to the Insurance Information Institute, nearly 1 in 36 insured homes file a wind or hail-related claim each year. If your home is damaged by a wind-driven weather event, a homeowners insurance policy can help with the cost of repairs. Coverage often applies to events like tornadoes, hail, heavy rain and lightning. Taking time to understand how your policy responds to wind damage can make it easier to choose coverage limits and consider additional protection that may fit your home.
Let’s take a closer look at how homeowners insurance can help when strong winds move through.
Can icicles really do lasting damage to your roof?
As icicles grow, they can force water back under the roof and into the home. Get the details on how to stop ice dams in their tracks.
What types of wind damage does insurance cover?
Homeowners insurance can help cover the cost to repair or replace parts of the home and certain structures on the property that are damaged during a covered weather event. The amount paid for roof damage depends on the type of coverage, such as actual cash value or replacement cost.
Reviewing coverage details can help clarify what applies to a specific home.
Wind can lift shingles and expose areas of the roof to further damage. Most homeowners policies include protection for this type of loss when it is caused by a covered event.
Here’s how different parts of a home may be covered.
Wind damage to roofs
A roof is typically covered under a homeowners policy, though the type of protection depends on the details of the policy. Many policies include replacement cost coverage for certain losses, while wind and hail coverage may vary.
If a roof meets eligibility guidelines based on age and material, additional coverage may be available to help with repair and replacement costs related to wind and hail.
Wind damage to windows
Windows and doors can be exposed during high winds. Airborne debris can cause cracks or breakage. In many cases, homeowners insurance includes coverage for this type of damage when it results from a covered event.
Wind damage to fences
Damage to fences is usually included under coverage for other structures on the property. This protection often applies to events like wind, hail, fire and vandalism.
Some policies may cover certain materials, such as wood fencing, at actual cash value. This means the payout may reflect age and condition at the time of loss.
Wind damage to siding
Siding is generally covered when damage is caused by a covered event such as wind or hail. Repairs typically focus on the affected areas of the home.
Matching siding coverage, available for metal and vinyl siding, may help with the cost of replacing undamaged sections when a reasonable match is not available, up to a selected limit. This can help maintain a more consistent appearance across the home.
How to submit a wind damage insurance claim
After severe weather, safety comes first. Downed power lines, debris and hidden hazards can be present. It is best to avoid climbing onto the roof while inspecting.
Here are some helpful steps to take after damage has occurred and when filing a claim:
- Check that the area is safe before entering
- Take photos or short videos of the damage
- Record when the damage occurred
- Write a brief description of what is visible
- Make temporary repairs if it is safe to do so
- Move valuable items to a secure location if needed
Filing a claim is easy with American Family Insurance. One of the best ways to report a claim is to log into My Account or use the MyAmFam app. By initiating your claim with one of these options, you’ll experience these additional benefits:
- File anywhere, any time
- Track the status of your claim
- Communicate with your claims representative by email or phone
You can always call us at 1-800-MYAMFAM (1-800-692-6326) to speak directly with a claims representative.
How to protect your home from wind damage
There are steps that can help reduce the risk of damage before a storm arrives. Start by trimming low-hanging branches that extend over your roof. Other tips include:
- Removing trees that are damaged or no longer stable
- Checking the roof for signs of wear or loose shingles
- Reinforcing windows and doors if needed
- Scheduling a roof inspection when concerns arise
- Confirming the garage door closes securely
- Securing outdoor items such as grills and patio furniture
- Ensuring sheds and garages are properly anchored
- Installing storm shutters in areas prone to hurricanes
Get the homeowners protection your home needs
If you’re just beginning the process of shopping for homeowners insurance, be sure to review our coverage options. You’ll get easy-to-understand details on how and when you’ll be covered.
And remember getting a quote is easy. With American Family, you’ll be better protected, no matter what Mother Nature sends your way.
This information may represent a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
Insurance essentials
New to insurance or just need a refresher? Start here for clear explanations of common terms and topics you’ll need to know.
